Joint Stock Commercial Bank For Investment And Development Of Vietnam · HOSE:BID
Joint Stock Commercial Bank For Investment And Development Of Vietnam — BIDV — Q1 2025 Earnings Presentation
33 slides from Joint Stock Commercial Bank For Investment And Development Of Vietnam's earnings presentation, May 2025
Slide 1: 1Q2025 Financial Results
1Q2025 FINANCIAL RESULTS [May] 2025
Slide 2: Contents
Contents 2 Section 1 Vietnam Macroeconomic Environment and Banking Sector Section 2 BIDV Profile Section 3 Business Performance Section 4 Growth Strategy and Targets
Slide 3: Vietnam Macro Economy
1 VIETNAM MACRO ECONOMY 3
Slide 4: Macroeconomic Environment
Macroeconomic Environment 4 GDP growth is targeted to accelerate Inflation still well-controlled Public investment capital to be promoted going forward Retail sales to further recover
Slide 5: Macroeconomic Environment
Macroeconomic Environment 5 Expectations for moderate export growth Industrial production to improve Vietnam’s efforts to continue to attract FDI flows Reciprocal tariff announcement accelerated market correction
Slide 6: Monetary policy
Monetary policy 6 Maintaining stable interest rate environment Vietnam interbank interest rates Exchange rate edged higher, but remained within tolerable band Bond yields continued to surge amid rising uncertainty
Slide 7: Banking industry
Banking industry 7 Market share 2024 Credit growth is on track to reach 2025 target of 16% Lending Rate (%) Deposit rate (12M)
Slide 8: Vietnam banking development strategy
Vietnam banking development strategy 8 2-3 commercial banks in top 100 largest banks in Asia (total assets) 3-5 banks listed their shares on foreign stock exchanges Increase non-credit income proportion of total income to 16-17% Mục tiêu đến 2025 năm Targets 2025 NPL of the whole sector below 3% Imp
Slide 9: BIDV Profile
2 BIDV PROFILE 9
Slide 10: Differentiating BIDV
Differentiating BIDV 10 10 A le a ding ba nk in Vietna m ma r ket Customer base Financial Capacity # 1 by Customer Loans # 1 by Total Assets # 1 by Customer Deposits # 4 by Market Cap Payment system Network • Settlement bank for Vietnam stock market # 2 by National Network Coverage • The only settle
Slide 11: Milestones
Milestones 11 64 years 68 year of steady of steady growth growth Converted to BIDV JSC Charter Capital: VND 23,012 bn Charter Charter Charter Charter capital raised to capital raised capital capital VND 14,600 bn to VND raised to raised to VND 34,187 bn VND 68,975 bn Name changed to Began operating
Slide 12: BIDV's Market Position
BIDV’s Market Position BIDV Total Assets Loans Deposits Equity Profit before Profit before Tax Market Cap Network Provision and Tax BDV 2 i oe os oo le Senin? 2 co on a Metconet HE HP «TP oso oT 7 1060 20200 oi 096% a i) i ee ee) i) i) 7 sos oa <r YW VPBank Ei 26200 725 9083 s7e7 ses 7 so 207 0. 8 S
Slide 13: Organization Chart
Organization Chart 13 14 ORGANIZATIONAL STRUCTURE GOVERNANCE CHART As of March 31st 2025 As of March 31st 2025
Slide 14: Domestic network
Domestic network O1 Head Office 194 Tran Quang Khai Street, Ly Thai To Ward, Hoan Kiem District, Hanoi International network O1 Branch in Myanmar O04 BIDV Training and Research Institute, Information and Vaults Service Center Representative Offices in Cambodia, Laos, Taiwan (China), and the Russian
Slide 15: Awards and Accolades
Awards and Accolades 15 17 The best retail bank in Vietnam Best SME Bank in Vietnam Best Trade Finance Bank The Best Custodian Bank in Vietnam Vietnam Domestic FDI Bank of the Best Supply Chain Finance Bank The Best FX Bank in Vietnam Year The Best Core Banking Technology Vietnam Do
Slide 16: BIDV Shares
BIDV Shares 16 18 Ticker BID Peer Comparison Outstanding Volume (shares) 7,021,361,917 600,000 16 Free-floating ratio 4.01% 14 500,000 Foreign ownership 17.65% (14,74% by Hana) 12 400,000 VND 242,6 trillion 10 Market Cap (VND tn) Rank the 4th in Vietnam Stock Market 300,000 8 6 Last closed price 200
Slide 17: Financial Results
3 FINANCIAL RESULTS 17
Slide 18: 1Q2025 Results: Solid growth
1Q2025 Results: Solid growth 20 18 Total Assets Profit Before Tax (VND billion) (VND billion) 13.5% 2,760,792 2,856,111 31,985 3.5% 36.5% 27,589 +15.9% 2,300,869 2,120,677 22,923 1,761,696 1,516,686 13,602 9,214 7,413 2020 2021 2022 2023 2024 1Q2025 2020 2021 2022 2023 2024 1Q2025 Customer Deposits
Slide 19: Loan portfolio focusing on Retail and SME components
Loan portfolio focusing on Retail and SME components 21 19 Trend in Gross Customer Loans (VND billion) Loan portfolio by customers 2,107,330 11.7% 2,056,082 2.5% 1Q2025 SME 1,777,665 21.4% 1,522,222 1,354,633 64.6% 64.8% 1,214,296 66.3% 47.7% Retail 65.1% 64.4% 62.9% 5.1% 5.4% 5.3% 30.9% 5.4% 5.1% 5
Slide 20: Diversified focusing on high-growth sector and good credit quality
Diversified focusing on high-growth sector and good credit quality 22 20 Loan portfolio by industry • NPL ratio was controlled according to Circular No.31. 1Q2025 Services • Loan portfolio by industry improved positively by increasing Others loans for high-growth industries (such as services, wholes
Slide 21: Deposits
Deposits 23 21 Customer Deposits by Term Deposit Breakdown (VND billion) 1Q2025 10.0% 1,953,165 1,976,946 FI 0.7% 0.7% 1.2% 19% 1,704,690 18.3% 0.4% 19.5% 1,473,598 1,380,402 19.6% 0.5% 1,226,674 0.4% 18.4% 0.5% 19.4% 50% Individuals 18.0% 79.9% 81.0% 80.0% 31% 80.3% 81.1% 81.4% Corporate 2020 2021
Slide 22: Retail Banking
Retail Banking 27 22 Retail Deposits Retail Loans (VND billion) (VND billion) 11.2% 1,078,067 955,885 989,528 1,017,140 18.4% 3.5% 6.0% 876,843 765,254 763,814 690,437 650,423 634,127 530,250 425,879 2020 2021 2022 2023 2024 1Q2025 2020 2021 2022 2023 2024 1Q2025 Customer Base Retail Loans Breakdown
Slide 23: Digital Banking
Digital Banking 23 BIDV’s digital banking vision 2030 - Become the leading financial institution in Southeast Asia with the best digital platform in Vietnam, and strive to be among the 100 largest banks in Asia. Digital Channels: Internet banking, Mobile banking and other channels for online transac
Slide 24: ESG and Green Finance
ESG and Green Finance 24 22 Outstanding Hydropower and Solar power Green credit growth projects financed by BIDV 2.132 4.24% 4.01% 1.982 1.718 3.65% 1.643 1.608 3.30% 1.418 2.70% 80,870 74,177 585 44,012 54,382 489 491 401 32,060 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 Outstanding balance
Slide 25: Financial Performance
Financial Performance 24 25 Total Operating Income Total Operating Expense (VND billion) (VND billion) 12.8% 81,061 27,967 12.1% 73,013 11.0% 25,080 11.5% 69,480 22,715 62,494 19,465 50,035 17,696 17,898 5,907 2020 2021 2022 2023 2024 1Q2025 2020 2021 2022 2023 2024 1Q2025 Net Interest Income Non-In
Slide 26: Financial Performance
Financial Performance 25 26 Interest income accounted for bigger proportion in TOI Interest income from loans to customers is driven factor in NII From finance leases Others (from credit activities) Investment Securities Other income From guarantee 1Q2025 From deposits 1Q2025 Trading Securities From
Slide 27: Key Ratios
Key Ratios 26 27 Note: - Financial Report of BIDV. - RoAA = Net profit to shareholders/Average period assets; RoAE = Net profit to shareholders/Average period shareholders’ equity.
Slide 28: Historical Income Statement and Balance Sheet
Historical Income Statement and Balance Sheet 28 29 Source: Financial Report of BIDV.
Slide 29: Growth Strategy and Targets
4 GROWTH STRATEGY AND TARGETS 29
Slide 30: Strategy and growth targets
Strategy and growth targets 30 31 VISION Top 100 Largest Banks in Asia Leading Financial Institution in Southeast Asia Best Digital Platform in Vietnam 5 Core Values Intelligence Believe Integrity Detail Orientation Vitality Scale Maintain #1 position and grow market share while maintaining strong b
Slide 31: Projected Shareholding Structure
Projected Shareholding Structure 31 STAGE 1: To 2022 STAGE 2: To 2025 STAGE 3: From 2030 • IPO finished on December, 2011 • Issuing shares to foreign investors • Additional public offering • Transforming to Joint Stock (total up to 30%): • Issuing additional shares to foreign Commercial Bank in Apri
Slide 32: Capital raising plan
Capital rasing plan (through Private placement or Public offering) 32 31 Total scale of Potential offering Investors (i) Private placement: ~3.84% of charter Financial Investors capital as of March 31, (ii) Public offering: all 2025 qualified investors) Price Share type mechanism Compliance with leg
Slide 33: Important Notice
Important Notice 33 32 This Presentation (the Presentation) has been prepared by IR Team - BIDV for the purpose of setting out certain confidential information in respect of BIDV’s business activities and strategy. This Presentation is for the exclusive use of the recipients to whom it is addressed.